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Four affordable personal checking account choices

Picking a personal checking account shouldn’t be a tough decision. That’s why First State Bank offers four easy-to-understand options, including one totally free checking account and three other very affordable checking account products to choose from. Or check out our fantastic business checking accounts.

Find Your Perfect Checking Account

Answer just a few quick questions to find the best account for your needs.

Do you need a checking account for yourself or for a business?

Personal Checking Business Checking


Personal checking account comparison

Comparison table of personal checking accounts
  Fantastic Free Checking Interest Checking 50+ Interest Checking Top Tier Checking
Minimum opening deposit $50 $50 $50 $50
Minimum balance None None None $1,500 daily balance
Monthly maintenance fee None None None $9 if minimum balance is not maintained
Does the account earn interest? No Yes Yes Yes; higher interest rate with a daily balance of $1,500 or more
Does the account offer free check orders? No No Yes (select wallet styles) Yes (select wallet styles)
Other account qualifications None Available with direct deposit to and/or automatic payment from account For customers age 50 and over n/a
Learn more Fantastic Free Checking Interest Checking 50+ Interest Checking Top Tier Checking

Personal checking account features

Every new personal checking account includes:

  • FREE Debit Card with contactless payment options
  • FREE Online Banking
  • FREE Online Statements
  • FREE Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE Thank You Gift1
  • Buy Back of your unused checks and debit cards from another financial institution2

Get a FREE thank you gift!

You'll receive a thank you gift just for opening your new personal checking account. Or, Tell-A-Friend about First State Bank's fantastic checking accounts; when they open their new checking account, you'll BOTH receive a FREE gift!

Tell-A-Friend Coupon

Jumbo Tote Bag

Jumbo Tote Bag

Open your personal checking account today

Our Relationship Banking Team is happy to recommend the best personal checking account for you and walk you through the process of opening your new account.

Other fees such as overdraft or returned item fees may apply. See our Common Features Schedule for details. Bank terms and conditions, and regulations apply. Minimum opening deposit is only $50. Ask us for details.

1We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.

2Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

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